Ep 96: Why I'll Never Use a Financial Advisor (And You Don't Need One Either)

Do You Really Need a Financial Advisor Or Just a Better System

Most people are told they need a financial advisor because money feels complicated and emotional. The truth is that complexity is often the product being sold.

In this episode, I break down the data behind the average investor, the real cost of advisor fees, and why most people do not need to outsource their wealth to someone charging one percent every year.

We walk through simple math, behavioral traps, and the exact conditions where professional help might make sense. More importantly, we talk about what actually works for long term wealth building. Automation. Simplicity. And conviction.

If you want to stop bleeding fees and start building confidence, this episode is for you.

Episode Timeline and Highlights

00:00 Why I never used a financial advisor
01:00 The investor performance data
03:00 Behavior versus intelligence
04:30 The true cost of fees
06:30 Why systems win
08:00 When outside help makes sense
10:00 Taking ownership of your finances
12:00 Building a plan that runs itself

Key Takeaways

• The average investor does not fail from lack of knowledge
• Fees compound against you
• Automation removes emotional mistakes
• Simplicity outperforms complexity
• You do not need permission to manage your money

Quotables

"One percent fees cost millions."
"You do not need a babysitter. You need a system."
"Delegation without understanding is just avoidance."

Closing

If you are still unsure how to manage money on your own, you do not need to guess.
You need a plan that is simple, automated, and built for real life.